The Debt Freedom Plan

Herein lies a Plan, simple, yet effective, for the average person with low to middle income, to get out of debt and become 100% debt free. Unlike all those "get rich quick" schemes out there today, this basic plan just teaches you how to use the money you're already making, turn it around and get it moving forward at all times. Instead of resorting to tricks and gimmicks like the others, however, the Debt Freedom Plan consists of long term financial principles aimed at first paying off all your debts, then building wealth consistently for your future. While in the process of learning how to do this, you'll be breaking your bad habits of debt and overspending and replacing them with good habits of consistent wealth building that, if continued, will lead you ultimately to complete financial freedom.

GOODBYE DEBT—HELLO FREEDOM! Most of us grew up with the idea that there is good debt and there is bad debt. Good debts are generally considered to be debts you incur to buy things that can go up in value—like a home or college education. Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value, like most consumer goods. But as America’s favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt. There is only debt. And all debt is too expensive—if what you desire is FREEDOM! In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted before—starting today! In Debt Free for Life, #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire, giving us the knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom— forever! Offering a revolutionary approach to personal finance that teaches you how to pay down your debt and adopt a whole new way of living – debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt automatically. You’ll learn how to calculate your Debt Freedom Day – the actual date you will be completely free of debt. And you’ll discover that when you are debt free, you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected. David Bach has coached millions to pay off their debt and now he can guide you. Whether you have home loans, student loans, car loans, credit card debt—paying down your debt is truly a game you can win, if you know the rules. Debt Free For Life will teach you the rules and give you the tools to buy back your freedom.

Herein lies a Plan, simple, yet effective, for the average person with low to middle income, to get out of debt and become 100% debt free. Unlike all those get rich quick schemes out there today, this basic plan just teaches you how to use the money youre already making, turn it around and get it moving forward at all times. Instead of resorting to tricks and gimmicks like the others, however, the Debt Freedom Plan consists of long term financial principles aimed at first paying off all your debts, then building wealth consistently for your future. While in the process of learning how to do this, youll be breaking your bad habits of debt and overspending and replacing them with good habits of consistent wealth building that, if continued, will lead you ultimately to complete financial freedom.

It can seem impossible to find a way out of debt--and the more complicated the proposed solution, the harder it is to stick with it. That’s why this book is SIMPLE. Life coach JoAnneh Nagler gives you the help you need right now to live your life and get out of debt fast. The plan is clear, easy, and doesn’t require you to sift through chapters of high-minded financial advice or dig up your past spending history. In The Debt-Free Spending Plan, you’ll learn how to: downsize expenses without feeling deprived, allocate money as it comes in, put together an easy-to-manage bill-paying plan, adjust for inevitable overspending, pay off debt without gouging expenses, and (believe it or not) start saving. It doesn’t matter if you make $14,000 or $14 million--thanks to straightforward daily spending strategies and effortless expense tracking tools, The Debt-Free Spending Plan is the key to financial freedom. In just five minutes a day, you’ll find yourself on the road to financial freedom before the next billing cycle.

What would your life be like if you were debt free? What if you had a way to create a simple plan for not only debt freedom, but financial independence as well? Simplicity is sustainability. The 5-Minute Debt Solution will help you create a simple plan for total debt freedom and financial independence for you and your family. With this book as your guide, financial success is as easy as 1, 2, 3.

DO YOU HAVE DEBT? Are you feeling stressed about it? You are not alone. In Canada, household debt is about $2.2 trillion. If you worry it’s impossible to get out of debt, help is here. Stanley Ngwa has successfully applied this 10-stage program and eliminated $90,000 of non-mortgage debt in just six years. Key to his approach is the recognition of the role behaviour plays in making decisions that incur debt. Understanding what drives us to take on debt is the cornerstone of this freedom from debt program. Freedom From Household Debt provides an easily understood education on debt— what it is, what drives it, and strategies for managing it. Step by step, the book takes you through identifying your debt and formulating and implementing a plan for eliminating it. And the management of personal finances doesn’t end there. The author’s approach covers future needs with steps for formulating and implementing a plan for emergency situations, education costs, and retirement. As the author’s experience proves, following these ten steps will get you to financial freedom.

The Debt Freedom Guide is an important book covering all of the information you need to rid yourself of worrying debt, either business or personal, in only an hour and a half's read. There are no long and boring legal sections just short, sharp impact information that will begin to lead you away from the misery of debt from the first few pages. The Debt Freedom Guide is aimed at individuals and small traders in particular and is solely geared to remove the worry from a personal debt burden. There are standard letters that can be copied and sent to creditors and solid advice about dealing with credit card and loan companies, bailiffs, landlords, banks and mortgage lenders along with the queue of people who are applying pressure, legally or otherwise, for you to part with money you no longer have available. The Debt Freedom Guide includes sections on: - Taking immediate action and how to contact your creditors today. All of them. - Winning a losing court case. - Having debts written off completely. - Reducing individual debts legally. - Prevent harassment. - Prioritise good debts and eliminate stressful debts. - Security and sleeping well at night. - Nothing to fear anymore. 'For less than the price of a Burger you can be free from the worry of debt in just one and a half hours time.' Contents Introduction 1 - The worry of debt, live without it 2 - Face up to it, creditors aren't scary 3 - Consolidation loans - you don't need them 4 - Existing debts Immediate action - starting now 1 - Contact your Creditors today 2 - Positive action 3 - Your mortgage / rent - Save your home 4 - Household costs. Gas, Electricity Council Tax 5 - Credit cards 6 - Student Loans 7 - Car / Equipment Loans 8 - Child Support Agency Income 1 - Welfare 2 - Pooling your income 3 - Protecting your income from creditors (armour plating) 4 - Limit your outgoings 5 - Money you didn't know you had The Law 1 - Avoid Repossession. 2 - Winning the Court Case 3 - Bailiffs 4 - Harassment 5 - Win the Court case 6 - Interest rates 7 - Writing off a debt 8 - Bankruptcy or Voluntary Arrangements. Little known Laws Assistance 1 - How to get free advice UK & USA 2 - Free legal assistance UK & USA 3 - Insurance 4 - Associations and advice centers Security 1 - Stress & worry free 2 - Sleep at nights

Project Debt Free explains the culture of debt in America, highlights the reason for your money troubles, and provides a realistic plan for successfully becoming debt free. While this plan will not get you out of debt overnight, it outlines steps to put you on the road to debt freedom - and keep you on that road.